Top line is Equifax, middle is TransUnion and bottom is Experian. Is there a reason EQ and TU show this way?
Same with this. This is my Ritz card I got in December 2014.
Out of curiosity what does CK say?
I have a display problem on EQ literally EVERYWHERE I check other than looking at the base report: it's right on the bureau's report, wrong everywhere else including myFICO. I don't know where the issue is, FICO took a look at it from my end a bit ago but they're stuck based on the data they get from the bureau. I don't quite know how a tri-merge report looks so I'm not certain if it's going to be there too on the mortgage app; however, I'm nearly 100% confident that it's not impacting my score and is simply a display bug. My EQ Beacon 5.0 from here matches my DCU provided score, and I'd assume the rest holds true for other comparisons.
Can't really do flowcharts so bear with me please.
One caveat: sometimes lenders do skip a report cycle, for whatever reason. It's happened on many of my accounts at one point or another and is typically resolved on the next update.
That said, the bureau is reference. If it's not on the bureau's file, check with the lender.
If it is on the bureau, and it's missing on myFICO, check a freebie report service (I *highly* recommend CK personally, best in the industry for free report access to TU/EQ data hands down).
If it is on CK: contact myFICO support.
If it's not on CK, I honestly don't know what to do, which is the case with my old BOFA tradeline. Logically contacting the bureau would be the right thing to do, but they'll blame all the third parties even though every single third party I check has this issue with this tradeline, suggesting it's something in the data when everything else is right. Wouldn't begin to know who to go contact though at the bureau TBH.
@Anonymous wrote:
@Revelate wrote:Can't really do flowcharts so bear with me please.
One caveat: sometimes lenders do skip a report cycle, for whatever reason. It's happened on many of my accounts at one point or another and is typically resolved on the next update.
That said, the bureau is reference. If it's not on the bureau's file, check with the lender.
If it is on the bureau, and it's missing on myFICO, check a freebie report service (I *highly* recommend CK personally, best in the industry for free report access to TU/EQ data hands down).
If it is on CK: contact myFICO support.
If it's not on CK, I honestly don't know what to do, which is the case with my old BOFA tradeline. Logically contacting the bureau would be the right thing to do, but they'll blame all the third parties even though every single third party I check has this issue with this tradeline, suggesting it's something in the data when everything else is right. Wouldn't begin to know who to go contact though at the bureau TBH.
That's the catch, I checked directly on TU yesterday and indeed it shows only (1) payment, the other months are blank. So this is not just one cycle and has me deeply concerned.
So that leaves me to the lender. When I have inquired about this in the past nobody at the lender side had a clue and I feel the same will be said here with this lender. Anyone I should ask for in a particular department maybe?
No clue, I'd keep calling different folks personally.
Also if the tradeline isn't reporting correctly, a dispute via TU might have a chance of resolving the issue and it wouldn't be a frivolous one if the tradeline is that far out of whack.
Where it all gets stuck is there's no legal mandate to report an account, so there's no real course for forcing them to update the account but if it's a software glitch on their end, it's worth talking to them about it. I would anyway. Not all lenders report to all bureaus but it'd be somewhat strange for them to do that if they were reporting to all three previously. Which lender is it anyway?
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
@Revelate wrote:Can't really do flowcharts so bear with me please.
One caveat: sometimes lenders do skip a report cycle, for whatever reason. It's happened on many of my accounts at one point or another and is typically resolved on the next update.
That said, the bureau is reference. If it's not on the bureau's file, check with the lender.
If it is on the bureau, and it's missing on myFICO, check a freebie report service (I *highly* recommend CK personally, best in the industry for free report access to TU/EQ data hands down).
If it is on CK: contact myFICO support.
If it's not on CK, I honestly don't know what to do, which is the case with my old BOFA tradeline. Logically contacting the bureau would be the right thing to do, but they'll blame all the third parties even though every single third party I check has this issue with this tradeline, suggesting it's something in the data when everything else is right. Wouldn't begin to know who to go contact though at the bureau TBH.
That's the catch, I checked directly on TU yesterday and indeed it shows only (1) payment, the other months are blank. So this is not just one cycle and has me deeply concerned.
So that leaves me to the lender. When I have inquired about this in the past nobody at the lender side had a clue and I feel the same will be said here with this lender. Anyone I should ask for in a particular department maybe?
No clue, I'd keep calling different folks personally.
Also if the tradeline isn't reporting correctly, a dispute via TU might have a chance of resolving the issue and it wouldn't be a frivolous one if the tradeline is that far out of whack.
Where it all gets stuck is there's no legal mandate to report an account, so there's no real course for forcing them to update the account but if it's a software glitch on their end, it's worth talking to them about it. I would anyway. Not all lenders report to all bureaus but it'd be somewhat strange for them to do that if they were reporting to all three previously. Which lender is it anyway?
Lender is Acura Financial. I've had loans way in the past that only reported to (1) CRA but not like this where it reports one month and then doesn't report numerous other months. It's frustrating because I want to keep updating my reports of on time installment loan payments.
Something sounds wrong; I don't know anyone over on their finance side (all the folks I know work in CS) but I don't think it'd be a long walk even if at worst case you have to go post on the Auto Loans forum about Acura/Honda Financial reporting.... somethings sounds off on it, and for me on an auto loan, like you I'd want to get it reporting accurately so I'd pursue it with the lender personally. Might take a few go arounds to get to someone that can address it but to me that investment in time would absolutely be worth it.
I'm of the opinion positive auto loans are nothing but goodness on one's report, and if you have the loan, and it should be reporting but isn't, is worthwhile fixing.
ETA: I looked at your graph again, if it was only opened recently which can cause some weird odditieis (Experian reports one month ahead of the other two which is why the right side of the picture is off) they could have had some early report to EX and not to the others. Wait for at least another reported payment to see if it clears up, wierd stuff happens when new lines are opened.
It'd be different if the line was open for a while.